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Fairwind Plumbing

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Fire Protection · SC-CBS-2405-025 · $18,900,000 · notice to proceed Nov 25, 2025

Coverage against the subcontract exhibit

The right-hand column is what the executed subcontract requires. The left is what the certificate on file actually says, and where it was read from.

CoverageOn the certificateRequiredRead from
General liability, each occurrence$2,000,000$2,000,000meetscoi_gl_25_193.pdf p.1
General liability, aggregate$4,000,000$4,000,000meetscoi_gl_25_193.pdf p.1
Automobile, combined single limit$1,000,000$1,000,000meetscoi_auto_25_194.pdf p.1
Workers compensation, each accident$1,000,000$1,000,000meetscoi_wc_25_195.pdf p.1
Umbrella / excess$25,000,000$25,000,000meetscoi_umbrella_25_196.pdf p.1
Additional insured endorsementshownrequiredmeetscoi_gl_25_193.pdf p.1
Waiver of subrogationshownrequiredmeetscoi_gl_25_193.pdf p.1
Primary and non-contributoryshownrequiredmeetscoi_gl_25_193.pdf p.1
Certificate holderCoral Bay Health Properties IncCoral Bay Health Properties Incmeetscoi_gl_25_193.pdf p.1

General liability, period by period

Continuity is judged across the whole chain, not off the current certificate. A break between two periods is uninsured work that no later certificate closes.

PeriodCarrierPolicyEffectiveExpiresContinuity
1Selective InsuranceGL-6331544Dec 4, 2025Dec 4, 2026first on file

Scheduled site activity

ActivityStartEndCrew
Underslab utilitiesSep 11, 2026Oct 11, 20267

Findings

CriticalCOI-GAP-AT-NTPCoverage began after notice to proceed

Earliest certificate on file begins 9 days after notice to proceed, leaving an uninsured window at the start of the work

Work performed before the policy inception is uninsured retroactively. No later certificate closes a gap that has already been worked through.

Remedy Obtain written confirmation of prior coverage for the gap period, or a retroactive endorsement from the carrier.

observed 2025-12-04required 2025-11-25source coi_gl_25_193.pdf p.1

Documents on file

KindFileReceivedExpiresStatusDays on file
coi_glcoi_gl_25_193.pdf p.1 of 4Nov 24, 2025Dec 4, 2026current205
coi_autocoi_auto_25_194.pdf p.1 of 3Nov 26, 2025Dec 4, 2026current203
coi_wccoi_wc_25_195.pdf p.1 of 1Nov 26, 2025Dec 4, 2026current203
coi_umbrellacoi_umbrella_25_196.pdf p.1 of 4Nov 26, 2025Dec 4, 2026current203
w9w9_25_197.pdf p.1 of 4Nov 13, 2025—no expiry212
business_licensebusiness_license_25_198.pdf p.1 of 3Nov 10, 2025Jan 12, 2028current215
safety_programsafety_program_25_199.pdf p.2 of 4Nov 16, 2025—no expiry210